1. The Impact of the Changes to the SABS: Strategies for Survival
Ryan Murray

2. All accident benefit changes effective June 1, 2016
Ontario Regulation 251/15 released August 27, 2015

3. Reduction in total benefits for non-catastrophic claims
Accidents on and after June 1, 2016.
New total maximum medical/rehabilitation and attendant care = $65,000. Previously $86,000.
Duration reduced from 10 years to 5 years for adults. Age 28 for children.
$65,000 can be spent on either AC or MR ($3k per month AC cap).

4. Reduction in Non-Earner Benefits
Eligibility for non‐earner benefits reduced from ‘life’ to a maximum duration of 2 years (four week waiting period).  
Maximum $18,500 over their lifetime ($185 per week for 2 years, other than during the first four weeks) instead of a lifetime of access. 

5. Reduction in Catastrophic Benefits
Currently $1mm for AC and $1mm for MR. As of June 1, 2016 – total of $1mm for both combined over lifetime.  
Changes only apply to accidents on or after June 1, 2016.

6. Narrowed CAT definition
Introduction of new tests
Elimination of GCS
Effect is to create delay, confusion and uncertainty.
Dramatically reduce the number of insured who are CAT.

7. GCS
Eliminated
Created bright white line allowing immediate access to benefits
Tenuous relationship to outcome/need

8. Paraplegia or Tetraplegia
Will now be defined by the insured permanent grade on the ASIA Impairment Scale (American Spinal Injury Association)

9. Paraplegia or Tetraplegia
Grade
Definition A
Complete. No sensory or motor function is preserved in the sacral segments S4-S5 B
Incomplete. Sensory but no motor function is preserved below the neurological level and includes the sacral segments S4–S5 C
Incomplete. Motor function is preserved below the neurological level, and more than half of key muscles below the neurological level have a muscle grade less than 3 (Grades -02). D
Incomplete. Motor function is preserved below the neurological level, and at least half of key muscles below he neurological level have a muscle grade greater than or equal to 3. E
Normal. Sensory and motor functions are normal.
Included

10. Paraplegia or Tetraplegia
ASIA D qualifies in 1 of 3 ways:
Mobility (indoors and outdoors, on even surface)
If can walk (aided) a distance of up to 10 meters on an even indoor surface??
CAT

11. Paraplegia or Tetraplegia
Insured requires urological surgical diversion, an implanted device or catheterization to manage urological impairment.
Insured requires a bowel routine, a surgical diversion or an implanted device to manage anorectal function.

12. Mobility impairment (non spinal cord)
(1)2. Severe impairment of ambulatory mobility or use of an arm, or amputation that meets the following criteria:
Trans-tibial or higher amputation of a leg.
Amputation of an arm or another impairment causing the total and permanent loss of use of an arm.

13. Mobility impairment (non spinal cord)
Mobility (indoors and outdoors, on even surface)
CAT
If can walk (aided) a distance of up to 10 meters on an even indoor surface??

14. Blindness
(1) 3. Loss of vision of both eyes that meets the following criteria:
Even with the use of corrective lenses or medication,
Visual acuity in both eyes is 20/200 (6/60) or less as measured by the Snellen Chart or an equivalent chart, or
The greatest diameter of the field of vision in both eyes is 20 degrees or less.
The loss of vision is not attributable to non-organic causes.

15. Adult Traumatic Brain Injury
(1)4. If the insured person was 18 years of age or older at the time of the accident, a traumatic brain injury that meets the following criteria:
The injury shows positive findings on a computerized axial tomography scan, a magnetic resonance imaging or any other medically recognized brain diagnostic technology indicating intracranial pathology that is a result of the accident, including, but not limited to, intracranial contusions or haemorrhages, diffuse axonal injury, cerebral edema, midline shift or pneumocephaly.

16. Adult Traumatic Brain Injury
When assessed in accordance with Wilson J., Pettigrew, L. and Teasdale, G., Structured Interviews for the Glasgow Outcome Scale and the Extended Glasgow Outcome Scale and the Extended Glasgow Outcome Scale: Guidelines for Their Use, Journal of Neurotrauma, Volume 15, Number 8, 1998, the Injury results in a rating of,

17. Adult Traumatic Brain Injury
Vegetative State (VS or VS*), one month or more after the accident,
Upper Severe Disability (Upper SD or Upper SD*) or Lower Severe Disability (Lower SD or Lower SD*, six months or more after the accident, or
Lower Moderate Disability (Lower MD or Lower MD*), one year or more after the accident.

18. Adult Traumatic Brain Injury
The Glasgow Outcome Scale (GOS) is a global scale for functional outcome that rates a patient status into one of five categories: Dead, Vegetative State, Severe Disability, Moderate Disability or Good Recovery. The Extended GOS (GOSE) provides more detailed categorization into eight categories by subdividing the categories into lower and upper categories.

19. Glasgow Outcome Scale Extended*
Category
GOSE Descriptor
Key Features 1
Dead D 2
Vegetative State VS
Unable to obey commands or say words 3
Severe Disability - Lower
SD -
Needs frequent help or someone to be around most of the time 4
Severe Disability – Upper
SD +
Does not need frequent help able to be alone at home for up to 8 hrs.
Not able to shop without assistance
Not able to travel locally without assistance 5
Moderate Disability – Lower
MD -
Not able to work, or only in a sheltered or non-competitive position
Unable to participate (or, rarely if even) in regular social and leisure activities outside home
Constant and intolerable (daily) disruption or family relationships or friendships due to psychological problems 6
Moderate Disability – Upper
MD +
Able to work or study but at a reduced capacity
Participates much less (less than half as often) in regular social and leisure activities outside home
Frequent but tolerable (once per week) disruption of family relationships or friendships due to psychological problems 7
Good Recovery – Lower
GR -
Participates at least half as often as before in regular social and leisure activities outside home
Occasional disruption of family relationships or friendships due to psychological problems
Other problems relating to the injury (headache, dizziness, tiredness, sensory sensitivity, slowness, memory failures, concentration problems) affect daily life 8
Good Recovery - Upper
GR +
Able to work to previous capacity
Able to resume regular social and leisure activities outside home
No psychological problems resulting in ongoing family disruption or disruption to friendships

20. Paediatric Brain Injury
-Requires 1 of:
Insured is accepted for admission on an in-patient basis to a public hospital with positive findings on imaging.
Insured is accepted for admission to an in-patient neuro rehab paediatric program.
Meets the KOSCHI (King’s Outcome Scale for Childhood Head Injury) Vegetative after 1 month.

22. Paediatric Brain Injury
Meets the KOSCHI Severe Disability after 6 months

24. Paediatric Brain Injury
Nine months or more after the accident, the insured person’s level of function remains seriously impaired such that the insured person is not age-appropriately independent and requires in-person supervision or assistance for physical, cognitive or behavioural impairments for the majority of the insured person’s waking day.

25. 55% Whole Person Impairment (WPI)
Continue to combine physical and mental/behavioural impairments.
Excludes traumatic brain injury.
Utilize the AMA Guides to the Evaluation of Permanent Impairment 6th edition for rating mental/behavioural impairments.

26. 55% Whole Person Impairment (WPI)
Utilize the Guides 4th edition for physical impairment. Use Guides 4th edition for methodology of combining scores.
Effect is to dramatically reduce % rating for mental/behavioural impairments.
Must wait 2 years unless will obviously always be CAT.

27. Psychiatric Impairment
Requires 3 Class 4 Marked Impairments of 4 areas of function. Use of 4th Edition of AMA Guides.
“Impairment levels significantly impede useful functioning”.

28. Psychiatric Impairment
Areas of function assessed:
Activities of Daily Living.
Social functioning.
Concentration, persistence and pace (ability to focus attention to permit timely completion of tasks in a worklike setting).
Repeated failure to adapt to stressful circumstances (in work or worklike settings).
Must wait 2 years unless will always be 3 Class 4 Impairments.

29. Insureds no longer have right to sue AB insurers in court
As of April 1, 2016 – elimination of FSCO arbitrations and mediations.
Also as of April 1, 2016 – elimination of the right to sue AB insurers in court.
New LAT system.

30. Strategies
- Work with OT and other professionals to create detailed reports to document the nature and extent of change in function. Will be very important in proving CAT.
-Access publicly funded services and resources to supplement accident benefits (e.g. March of Dimes, CCAC, OHIP).

31. QUESTIONS

32. Ten Do’s and Don’ts of Expert Report Writing
Ryan A. Murray

33. What is an expert report?
Author expresses an opinion within his or her area of expertise.
A true expert is not an advocate.

34. #1
Provide comprehensive details of your expertise

35. #2
- Set out clearly your process for reaching your conclusions

36. #3
- Provide a complete and accurate history and review of documentation

37. #4
- Be absolutely certain the pre-morbid history is complete and unbiased

38. #5
- Explain your differential diagnosis and how you reached your diagnosis

39. Use legally helpful language#6
Use legally helpful language
Helpful:
Likely
Probable
Not Helpful:
Possible
Might
May

40. #7
If not the sole cause, explain how the trauma made a material contribution to the impairments

41. Give a clear opinion on prognosis#8
Give a clear opinion on prognosis

42. #9
Explain impairments with examples of impact on education, income, care, etc.

43. #10
- Do not be an advocate!

44. What is a Form 53?

45. Thank you!